re: Is having a credit score really necessary?

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if you got lots of money, no, otherwise yes.

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So one has to have lots of money to buy stuff. If not they NEED credit? Hmm

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If you have the discipline to live cash only, is it really that much of a leap to just use a credit card for utilities or something and keep it paid off?

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I like the way you think. But how can I buy that $35,000 car when I only make $50K a year (you see where I am going with this?).